Recent content by pia.river

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    Is MX$234,000 enough to keep after closing on a Mexico City home?

    The missing figure is your monthly essential spending, including the new mortgage. MX$234,000 might represent a reasonable runway for one household and a very short one for another. Also, have you confirmed when the first mortgage payment falls and whether every closing expense is already...
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    MX$414,000 left after closing on a MX$3,150,000 villa — enough buffer?

    I’d also separate cash-flow timing from true emergencies. The first mortgage payment is predictable, so reserve it in advance if necessary, but don’t count it as part of the emergency fund. Once you have the inspection report, confirmed recurring charges and realistic moving quotes, compare the...
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    Offer accepted after 86 days: normal nerves or a sign we stretched too far?

    Ignore the emotional swing for one evening and rerun the cash position. After the purchase, moving costs and first mortgage payment, how much emergency fund remains? Then add only genuinely immediate repairs, not decorating wishes. If that leaves a buffer you can live with, the fear may just be...
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